Allianz International Insurance
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Overview
- Basics
- History
- Jurisdiction
- Ratings
Key Facts
- Global insurance provider serving 70+ countries with comprehensive international health coverage
- 150,000+ healthcare providers in extensive global network
- Direct billing arrangements with major hospitals and clinics worldwide
- 24/7 multilingual customer support in 25+ languages
- Digital-first approach with award-winning mobile app and online portal
- Flexible plans designed specifically for expats, digital nomads, and globally mobile individuals
- Coverage options for individuals, families, and corporate groups
Our Broker Opinion
Expert Analysis
Allianz stands out in the international insurance market for their comprehensive global coverage and exceptionally strong financial backing. Their plans are particularly well-suited for expats, digital nomads, and international business travelers needing flexible, worldwide coverage with minimal exclusions.
While premiums are higher than some competitors (10-15% on average), the extensive direct billing network (150,000+ providers), reliable claims processing, and multilingual support justify the premium pricing for many clients. Their digital tools are among the best in the industry, with real-time claims tracking and virtual consultations available in most regions.
- Extensive provider network with excellent global coverage
- Strong financial ratings ensuring claim payment security
- Digital-first approach with intuitive mobile app
- Multilingual support available 24/7
- Flexible plan customization options
- Direct billing with most major hospitals
- Higher premium costs compared to regional insurers
- Strict medical underwriting for pre-existing conditions
- Limited coverage flexibility in certain regions (particularly Africa)
- Renewal increases averaging 8-12% annually
- Complex policy documentation
- Some exclusions for extreme sports and activities
Plan Comparison
| Plan Type | Best For | Coverage Highlights | Starting Price |
|---|---|---|---|
| Care Core | Young travelers, digital nomads | Basic hospitalization, emergency care, limited outpatient | $85/month |
| Care Plus | Expat families, remote workers | Full hospitalization, outpatient care, maternity, dental options | $175/month |
| Care Pro | Executives, retirees abroad | Comprehensive coverage, premium facilities, medical evacuation | $325/month |
*Pricing is approximate and based on a 35-year-old individual. Actual rates vary by age, location, and health status. Last updated: May 2024.
Health and Wellness Benefits
Allianz goes beyond traditional insurance coverage by offering comprehensive wellness tools designed for globally mobile individuals. These integrated services support both physical and mental wellbeing, providing peace of mind no matter where you are in the world.
Expat Assistance Programme (EAP)
Round-the-clock confidential support for challenges including stress, cultural adaptation, and mental health concerns. Professional counselors are available via phone, video, or in-person sessions, offering guidance in multiple languages to help expats navigate personal and professional obstacles abroad.
Second Medical Opinion
Access expert verification of diagnoses and treatment plans from world-renowned specialists. This service provides detailed assessment reports, treatment recommendations, and peace of mind during complex or serious medical situations, all coordinated through a dedicated case manager.
Telehealth Hub
Connect with qualified healthcare professionals from anywhere through video consultations, calls, or secure messaging. This service reduces unnecessary clinic visits, provides quick medical advice, and ensures continuity of care while traveling or living abroad.
Personal Oncology Case Manager
Dedicated support from an experienced healthcare professional throughout cancer treatment. This service includes treatment plan coordination, appointment scheduling, explanation of medical information, and emotional support during a challenging time.
Fitness Coaching App
Personalized health tracking and wellness guidance through an intuitive mobile application. Features include customized workout plans, nutrition advice, progress monitoring via an individualized Health Score, and motivational tools to maintain healthy habits while living internationally.
Symptom Checker
Interactive digital tool providing preliminary evaluation of health concerns. By answering targeted questions about symptoms, users receive evidence-based guidance on appropriate next steps, potential causes, and whether professional medical attention is recommended.
Travel Security Services
Comprehensive risk management resources for international travelers, including real-time security alerts, country risk assessments, and emergency assistance. These services help globally mobile individuals navigate unfamiliar environments safely and respond effectively to potential security threats.
Health Library
Extensive collection of evidence-based health resources including guides, videos, podcasts, webinars, and nutritional information. This regularly updated knowledge base helps expats make informed health decisions and manage common conditions while living abroad.
Key Benefit
All these wellness tools are integrated into most Allianz international health plans, providing comprehensive support beyond traditional medical coverage. These services are specifically designed to address the unique challenges faced by expatriates and digital nomads.
Customer Reviews
★★★★★Trustpilot
4.8/5 from 2,300+ reviews
★★★★½Google Reviews
4.6/5 from 1,800+ reviews
Frequently Asked Questions
What is Allianz's coverage area?
What is Allianz's coverage area?
Allianz offers truly global coverage across all continents. Their international health plans typically divide coverage into three zones:
- Worldwide: Complete global coverage including the USA
- Worldwide excluding USA: Global coverage excluding treatment in the United States
- Regional: Coverage limited to specific geographic regions (Europe, Asia, etc.)
How does direct billing work with Allianz?
How does direct billing work with Allianz?
Allianz maintains direct billing arrangements with over 150,000 healthcare providers globally. When seeking treatment:
- Locate an in-network provider through their mobile app or provider directory
- Present your Allianz membership card at registration
- The provider will verify your coverage electronically
- Covered treatments will be billed directly to Allianz
- You’ll only pay for any deductible, co-pay, or non-covered services
What are the waiting periods for Allianz plans?
What are the waiting periods for Allianz plans?
Allianz imposes waiting periods for certain benefits:
- General medical treatment: No waiting period for acute conditions
- Pre-existing conditions: Generally 24 months (if covered)
- Maternity care: 10-month waiting period
- Dental treatment: 3-month waiting period for routine dental, 10 months for major procedures
- Optical benefits: 3-month waiting period
How are pre-existing conditions handled?
How are pre-existing conditions handled?
Allianz takes a nuanced approach to pre-existing conditions:
- Standard underwriting: Most pre-existing conditions are excluded
- Moratorium underwriting: Conditions are covered after 24 months without symptoms or treatment
- Medical History Disregarded (MHD): Available for large group plans, covers pre-existing conditions
Learn More About Allianz
Sales Process
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Claims Process
How to submit claims, track status, and get reimbursed quickly
Policy Renewals
Managing your policy changes, renewals, and coverage adjustments
Expert Tip from our Brokers
When applying for Allianz coverage, consider selecting a higher deductible (2,500) to reduce monthly premiums by 15-25%. For most expats and nomads, this results in significant savings while still providing comprehensive protection against major medical events.
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